If the company you work for doesn’t offer a retirement plan, such as a 401(k), you should lobby for one. So says an article in summer issue of Kiplinger‘s Personal Finance magazine. If that doesn’t work, or you’re self-employed, you should set up and fund an IRA. The right plan will enable you to put aside money on a tax-deferred basis.
The same issue also has an article entitled “Where the (Few) Jobs Are” and mentions a large (very large) employer you may not have considered: Uncle Sam. “The federal government could hire nearly 600,000 new public servants over the next four years,” the article stated. “Nearly every federal agency will be looking for talent as retiring baby-boomers are replaced, staffs are expanded to keep pace with greater workloads, and new hires are brought in to oversee the Obama administration’s economic-recovery plan.”
Also in the July issue: “Scams Exploit Hard Times.” This full-page article warns against scams that involve:
• Stuffing envelopes—you’re told to run ads to get others to pay for information on stuffing envelopes (legitimate firms use high-speed automated machinery to stuff envelopes; they don’t need help)
• Acting as a mystery shopper (the check they send you to test a money-wiring service will bounce—after you deposit it in your checking account and use your own money in the “test”)
• Advance-fee loans—if you pay a fee of $500 or more upfront, they guarantee you’ll get a loan (but you never do)
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